Champaign vs Ogden
Cost of Living Comparison · 2026
Champaign
Ogden
The Verdict
The cost gap between these cities is 24.3%, with Champaign being the more affordable option. A $75,000 income in Champaign has equivalent purchasing power to $99,074 in Ogden.
Category-by-Category Breakdown
Index values · National average = 100 · Lower is more affordable
Salary Equivalence
A $75,000 salary in Champaign has the same purchasing power as $99,074 in Ogden.
Conversely, $75,000 in Ogden equals $56,776 in Champaign.
Living in Champaign vs Ogden
Housing Costs
Champaign's housing index of 83 is lower Ogden's 112, translating to median home prices of $215,000 vs $385,000. The $170,000 difference in home prices means roughly $11,052 per year in additional mortgage costs at current rates. Renters face a similar gap: $1,100/mo in Champaign compared to $1,250/mo in Ogden, a monthly difference of $150.
Grocery & Food Costs
Grocery expenses index at 98 in Champaign and 92 in Ogden. A household spending the national average of $475/month on groceries would pay approximately $466/month in Champaign vs $437/month in Ogden. Ogden offers a meaningful advantage on everyday food costs, saving roughly $348/year.
Utility Expenses
Utility costs — electricity, gas, water, internet — index at 106 in Champaign and 80 in Ogden. Monthly utility bills average approximately $424 in Champaign vs $320 in Ogden. Climate differences between the two cities drive much of this gap, with heating and cooling costs varying substantially by region.
Healthcare
Healthcare costs index at 90 in Champaign and 91 in Ogden. This encompasses insurance premiums, doctor visit copays, dental care, and prescription costs. Healthcare costs are relatively similar between these two cities, though individual plan costs can still vary.
Income & Purchasing Power
Median household income is $56,100 in Champaign and $70,100 in Ogden. After adjusting for local costs, purchasing-power-equivalent incomes are approximately $69,259 and $65,514 respectively. Champaign residents enjoy stronger real purchasing power despite lower nominal wages.
Relocation Considerations
Under the standard 28% rule, a median-income household can allocate $1,309/month to housing in Champaign vs $1,636/month in Ogden. In Champaign, median rent of $1,100/mo fits within this budget. In Ogden, median rent of $1,250/mo remains manageable. The biggest category-level difference between these two cities is Housing, where the gap is 29 index points — focus your budget analysis there.
Frequently Asked Questions
Moving & Relocation Resources
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